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CBY Professional ServicesThis business is NOT BBB Accredited.
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Complaints
Customer Complaints Summary
- 7 total complaints in the last 3 years.
- 0 complaints closed in the last 12 months.
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Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:01/14/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
11/10/2023 Failed to validate account below delete for violation.******************************* ************************* HARRISBURG, PA ****** C B Y Systems, Inc *****************************, York, PA ********** Account # ****** * To Whom It May Concern: This letter is being sent to you due to your erroneous reporting to the Credit Bureau{s}, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 {b} that your claim is disputed, and validation is requested. This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following: • What the money you say I owe is for: • Explain and show me how you calculated what you say I owe: • Provide me with copies of any papers that show I agreed to pay what you say I owe: • Provide a verification or copy of any judgment if applicable: • Identify the original creditor: • Prove the Statute of Limitations has not expired on this account: • Show me you are licensed to collect in my state: • Provide me with your license numbers and Registered Agent or Agent of Service: If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Sincerely, ******************************Customer Answer
Date: 01/20/2024
***************** APTSCustomer Answer
Date: 01/20/2024
***************** APTSBusiness Response
Date: 01/23/2024
THIS CONSUMER HAS DISPUTED MANY TIMES THROUGH TRANSUNION AND EQUIFAX AND WAS VALIDATED EACH TIME. ON 11/14/23 A WRITTEN DISPUTE WAS RECEIVED WITH THE SAME INFORMATION IN THIS BBB DISPUTE AND THE REQUESTED VALIDATION DOCUMENTS WERE MAILED ON 11/16/23 TO THEIR PROVIDED ADDRESS OF ************** A SECOND WRITTEN DISPUTE WITH THE SAME INFORMATION WAS RECEIVED 1/15/24 AND A FRIVILOUS DISPUTE LETTER WAS MAILED TO THE SAME ADDRESS. VALIDATION DOCUMNETS ARE ATTACHED.Customer Answer
Date: 01/24/2024
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because:1.Please provide me with your licensed to collect this debt in the estate of Pennsylvania.
2. Agreement with your client that authorizes you to collect on this alleged debt.
3. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
4. I don't recognize this debt.
Regards,
*******************************Business Response
Date: 01/26/2024
ALL REQUIRED DOCUMENTATION VALIDATING THE DEBT HAS BEEN SENT TO THE CONSUMER ON 11/16/23 TO THEIR PROVIDED ADDRESS AND 1/23/24 THROUGH THEIR PREVIOUS BBB COMPLAINT. #3 OF THEIR CURRENT BBB COMPLAINT IS DETAILED IN THEIR SIGNED LEASE.Customer Answer
Date: 01/26/2024
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because:Please provide me with your licensed to collect this debt in the estate of Pennsylvania.
2. Agreement with your client that authorizes you to collect on this alleged debt.?
3. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.?
4. I don't recognize this debt.?I never received validation I don't recognized that debt. Please provide me with the requirements I am asking for please read requirements above, if you don't provide the requirements I am asking, please remove this collection out of my credit report asap.
Regards,
*******************************Initial Complaint
Date:01/14/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
11/10/2023 Failed to validate account below delete for violation.************************************ ************************ HARRISBURG, PA ***** C B Y Systems, Inc ** ***** **** ******, York, PA *****-**** Account # ******* To Whom It May Concern: This letter is being sent to you due to your erroneous reporting to the Credit Bureau{s}, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 {b} that your claim is disputed, and validation is requested. This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following: • What the money you say I owe is for: • Explain and show me how you calculated what you say I owe: • Provide me with copies of any papers that show I agreed to pay what you say I owe: • Provide a verification or copy of any judgment if applicable: • Identify the original creditor: • Prove the Statute of Limitations has not expired on this account: • Show me you are licensed to collect in my state: • Provide me with your license numbers and Registered Agent or Agent of Service: If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Sincerely,************************************Customer Answer
Date: 01/20/2024
***************** APTSCustomer Answer
Date: 01/20/2024
***************** APTSBusiness Response
Date: 01/23/2024
THIS CONSUMER HAS DISPUTED MANY TIMES THROUGH ********** AND ******* AND WAS VALIDATED EACH TIME. ON 1/15/24 A WRITTEN DISPUTE WAS RECEIVED WITH THE SAME INFORMATION INTHIS BBB DISPUTE AND THE REQUESTED VALIDATION DOCUMENTS WERE MAILED TO THEIR PROVIDED ADDRESS OF ************* ON 1/17/24. VALIDATION DOCUMNETS ARE ATTACHED.Customer Answer
Date: 01/26/2024
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because:1.Please provide me with your Licensed to collect this debt in the estate of Pennsylvania.?
2. Agreement with your client that authorizes you to collect on this alleged debt.?
3.Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.?
4. I don't recognize this debt.
I never received validation i don't recognized that debt. Please provide me with the requirements I am asking for please read requirements, if you don't provide requirements I am asking for, please remove this collection out of my credit report. ASAP
Regards,
************************************
Business Response
Date: 01/30/2024
ALL REQUIRED DOCUMENTATION VALIDATING THE DEBT HAS BEEN SENT TO THE CONSUMER ON 1/17/23 TO THEIR PROVIDED ADDRESS AND 1/23/24 THROUGH THEIR PREVIOUS BBB COMPLAINT. #3 OF THEIR CURRENT BBB COMPLAINT IS DETAILED IN THEIR SIGNED LEASE.Customer Answer
Date: 01/30/2024
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because:1.Please provide me with your Licensed to collect this debt in the estate of Pennsylvania.?
2. Agreement with your client that authorizes you to collect on this alleged debt.?
3.Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.?
4. I don't recognize this debt.
I never received validation i don't recognized that debt. Please provide me with the requirements I am asking for please read requirements, if you don't provide requirements I am asking for, please remove this collection out of my credit report. ASAP
Regards,
***********************************Initial Complaint
Date:07/15/2023
Type:Order IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for any debt to CREDIT BUREAU OF YORK INC (CYB Systems) i do not have a contract with the collection agency trying to collect from me. They did not provide me of the original contract as requested!Business Response
Date: 07/17/2023
****************** disputed the debt and we have validated the debt and sent him documentation. The debt is valid and he balance is owed.Initial Complaint
Date:05/03/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On August 25, 2022, my husband and I moved out of ***** ***** ******* Apartments in Virginia Beach, VA, which is managed by The ********* *******. After moving out, we received an invoice in the amount of $1509.00 (September 19, 2022) claiming that we were being charged for damage to the carpet in the entire apartment and other items. On September 24, 2022, I sent them a letter disputing these charges because we did not cause damage to the carpet. I requested evidence of such damage and evidence that an attempt had been made to clean the carpets (which is a landlord's responsibility under Va. law). In response, they sent me some black and white pictures that did not show the damages they were alleging, and no evidence of an attempt to clean the carpets. In my letter to them, I also pointed out that even if we were responsible for damages (which we are not), the amount would not be a full replacement cost of the entire 3-bedroom apartment as the invoice stated, but would be only a portion and based on the actual cost, life expectancy, and other factors. Their response to me was that "the amount was already prorated" with no information about original cost or breakdown of how it was supposedly prorated. I also believe that if the carpet was damaged, it was more than likely due to leaks in the roof/siding that we would not have known about and was not caused by us. I have pictures of the apartment that I took prior to moving out, and the entire apartment was cleaned thoroughly and the carpets were vacuumed thoroughly and appeared in reasonably clean condition. I also have records of a maintenance request that I submitted in 7/2021 because of water pouring into the ceiling and wall of our apartment, and the roof was replaced months later, but the interior water damage inside our apartment was never repaired. Rather than correct this, ***** ***** ******* sent the account to a collections agency: CBY Systems, Inc. 33 S. Duke Street York, PA 17401-1401. This company has now reported negative information on my credit report. I contacted them by letter on November 29th, 2022, and again on December 30th, 2022, explaining that this charge was not justified and requesting that they cease collection efforts. Rather than actually consider the information that I provided, they reported the collection account and an additional $500.00 for fees, totaling $1909.00 to at least 2 credit bureaus on March 10, 2023. I have disputed these with the credit bureaus, but that has not been successful. If this were to be heard in a Virginia Court, ***** ***** ******* would not be successful as we did not cause damages they allege, and I have evidence that shows that. However, I have no desire to file a suit against them for $30 remaining of a security deposit. I believe that they count on most people just paying these things because they do not feel like they have any recourse. I just want this off my credit report.Business Response
Date: 05/04/2023
On 10/31/22 CBY sent **************** a letter 1 stating their account had been sent to CBY. On 12/7/22 CBY received a dispute letter from **************** and a co-maker on the account (attached). This letter only stated that the debt was not valid and that they were disputing. A week later on 12/14/22 validation documents were sent to **. ************ through the mail. Another dispute letter was received from **************** and the co-maker on 1/5/23 (attached). This one stated again that they do not agree with the debt and to cease communications. The second letter was the only time the carpet was mentioned to CBY and did not include any photographs or other evidence. Due to the request to cease communications no action was taken. Since that time, three online disputes have come through and were validated on 3/30/23, 3/31/23, and 4/19/23.
CBY has only received the two dispute letters and no other documentation or correspondence from **************** concerning this account. The additional fee mentioned by **************** was the collection fee ($477.22) added by ***** ***** when it was sent to CBY. The collection fee is mentioned on the lease and their final account statement from ***** *****.Customer Answer
Date: 05/04/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because: In my second letter to CBY, I stated that the charges were not valid and that I had pictures and other evidence to show that we did not cause the damages alleged. I have attached a record of the maintenence request that I made regarding the water damage and the letters that I sent to ******************* regarding this matter to this complaint. I do not believe that I should have to gather every possible piece of evidence to send to a company that I have had nothing to do with.I believe that between the letters I have sent and the information you have from the attachments here, you have enough to conclude that this is not a valid debt or at the very least, that it is questionable. That said, I am requesting that you have it removed from my credit reports.
Thank you.
Regards,
****************Business Response
Date: 05/05/2023
This dispute is substantially the same as the dispute previously filed and CBY has already responded to and satisfied the requirements to validate the debt. Attached is the detailed explanation from Kings ***** regarding the charges which was sent to **************** by email and mail on 9/30/22.
If there is any new information not previously provided to CBY regarding the dispute, please contact **. If the dispute contains no new information, CBY may deem the dispute to be frivolous.Customer Answer
Date: 05/08/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because: I did provide new information in the text of my original BBB complaint here and in the attachments that I included, but that information is being ignored. I do not owe your company anything and you are providing false information about me to credit bureaus, and that is not acceptable.
Regards,
****************Initial Complaint
Date:01/24/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
The credit bureaus never did a proper investigation according to the FCRA In accordance with the fair credit reporting everything has to be a 100% accurate on my credit report The credit bureau's stated my account was properly investigation but how is that possible if the open date last active is inaccurate and the date last reported is not accurate this is grounds for removal. In accordance with the fair credit reporting at convergent account # ******* and ******* has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A states I have 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt—Business Response
Date: 01/24/2023
The consumer submitted an electronic dispute in which we verified to be a valid debt per the complaint. We have also sent 2 letters previous to credit reporting in which neither came back mail return.Initial Complaint
Date:11/12/2022
Type:Customer Service IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with **** **** and I do not have a contract with *** they did not provide me with the original application like I askedBusiness Response
Date: 11/14/2022
On October 24th, 2019, we received an electronic dispute from ********** on behalf of the consumer. We verified the requested information and replied to **********. We have not received any further dispute requests from the consumer or a request for a signed lease agreement. If the consumer would like additional information from CBY, he can contact our office at ************ or ************ and select option one, then option one again. He can also email his dispute to [email protected].Customer Answer
Date: 11/14/2022
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
***************************
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